Federal Reserve Chairman Ben Bernanke and other top regulators testify on Capitol Hill in Washington DC, Thursday, Sept. 30, 2010, before the Senate Banking Committee hearing on implementing the Dodd-Frank Wall Street Reform and Consumer Protection Act. The new law, enacted in July, toughens government oversight of Wall Street and banks, provides stronger protections for consumers and gives the Fed and other regulators new powers to restrain risky financial practices. It's aimed at preventing another financial crisis like the one that struck with force two years ago and plunged the country into a deep recession.